*{box-sizing:border-box}
body{margin:0;font-family:system-ui,-apple-system,"Segoe UI",Roboto,Arial,sans-serif;line-height:1.6;color:#1b1b1f;background:#fafaf7}
a{color:#0b5c8a}
.wrap{max-width:1080px;margin:0 auto;padding:0 20px}
header.top{background:#14213d;color:#fff}
header.top .wrap{display:flex;justify-content:space-between;align-items:center;padding-top:14px;padding-bottom:14px;gap:12px;flex-wrap:wrap}
.logo{font-weight:800;font-size:1.3rem;letter-spacing:.04em;color:#fff;text-decoration:none}
.logo span{color:#fcbf49}
nav a{color:#fff;text-decoration:none;margin-left:16px;font-size:.95rem}
.hero{background:#14213d;color:#fff;padding:56px 0 72px;text-align:center}
.hero h1{font-size:clamp(2rem,6vw,3.4rem);margin:0 0 12px}
.hero p{font-size:clamp(1.05rem,2.6vw,1.3rem);max-width:720px;margin:0 auto 28px;color:#e8ecf4}
.btn{display:inline-block;background:#fcbf49;color:#14213d;font-weight:700;padding:14px 26px;border-radius:8px;text-decoration:none}
.btn:hover,.btn:focus{background:#ffd27a}
section{padding:56px 0}
h2{font-size:clamp(1.5rem,4vw,2rem);margin:0 0 24px;color:#14213d}
.grid{display:grid;grid-template-columns:repeat(auto-fit,minmax(220px,1fr));gap:20px}
.card{background:#fff;border:1px solid #e2e2dc;border-radius:12px;padding:22px}
.card h3{margin:0 0 8px;color:#14213d}
.card p{margin:0}
ol.steps{list-style:none;padding:0;margin:0;display:grid;grid-template-columns:repeat(auto-fit,minmax(200px,1fr));gap:20px;counter-reset:s}
ol.steps li{counter-increment:s;background:#fff;border:1px solid #e2e2dc;border-radius:12px;padding:22px}
ol.steps li::before{content:counter(s);display:inline-block;width:32px;height:32px;line-height:32px;text-align:center;border-radius:50%;background:#14213d;color:#fff;font-weight:700;margin-bottom:8px}
ol.steps strong{display:block;color:#14213d}
.cta{background:#eef2f8;text-align:center}
footer{background:#14213d;color:#e8ecf4;padding:32px 0;font-size:.95rem}
footer a{color:#fcbf49}
footer .links a{margin-right:16px}
.legal{background:#fff;max-width:760px;margin:32px auto;padding:28px;border-radius:12px;border:1px solid #e2e2dc}
@media (max-width:480px){nav a{margin-left:0;margin-right:14px}section{padding:40px 0}}